Coker Creek, TN
Coker Creek, TN's wildfire risk, in USFS's own numbers
Out of every US place USFS scores, Coker Creek lands at the 91st percentile for wildfire risk to structures — in USFS's highest wildfire-risk band nationally — a figure built from its 153 buildings, not the land around them. (Source: USFS's Wildfire Risk to Communities methodology.)
Fire likelihood alone (USFS's burn-probability figure) ranks Coker Creek at the 93rd national percentile — 2 points above its risk-to-structures score, a gap driven by how much is actually built there.
Coker Creek's building exposure, zone by zone
153 buildings are counted in Coker Creek, and 100% of them sit in USFS's Direct exposure zone — flame contact, not just ember cast, is the live possibility for most of them, against 0% rated Minimal.
How Coker Creek compares
Coker Creek's risk sits at a similar level relative to Tennessee (99th percentile statewide) as it does nationally (91st) — this place isn't unusual for its own state either way. Among the 31,521 US communities USFS scores, Coker Creek ranks 2,843 for wildfire risk (1 is highest) and 26,775 by building count (1 is largest). Within Tennessee alone, it ranks 3 of 502 places by risk. See the full county-by-county picture for Tennessee on its state page.
Coker Creek and the insurance market
Coker Creek's very high rating (91st percentile) puts it among the places where the national carrier-pullback trend is most relevant — not a guarantee of a coverage problem, but a reason to shop rather than assume.
What would actually reduce this score
Coker Creek's 100% Direct-exposure share means lot clearing around the structure typically outweighs any single material upgrade here. The home-hardening guide ranks the options for a place shaped like this.
More on how this number was built
The methodology guide shows exactly how USFS turned 153 counted buildings into the percentiles shown above for Coker Creek. For more on what direct exposure implies beyond Coker Creek, see the exposure-zones guide.